When you book a car and buy a full insurance, Trip.com will ask you to buy a minimum insurance from the car booking company. But the car booking company does not call the minimum insurance, they can provide full insurance for the car. You can only choose to buy or not buy, if you do not buy, there is no guarantee. Because Trip.com will not protect you, because you buy the lowest car insurance at the car booking company. So it is recommended that you do not need to buy any car insurance from Trip.com